Rates based on Annual Percentage Rate (APR). Other loan products available. Certain conditions apply on loans. Rates for Personal and Automobile Loans determined on applicant(s) credit history. No refinancing of existing HawaiiUSA FCU consumer loans. New loans only. All loans except 1st & 2nd Mortgages, Lines of Credit, Variable Rate loans and credit cards are eligible for a .25% discount with automatic transfer from either share draft, share account with ACH payroll deposit or payroll deduction. Additional rewards discounts available. Rate will increase if automatic transfer or payroll deduction is discontinued. Loan rates and terms as of February 24, 2015. Subject to change without notice. Motorcycle Loan: Will finance MSRP or amount after downpayment whichever is lower. Amount financed is percentage plus tax and license. Require minimum of 20% cash down on all applications. Will consider $3,000 in cancelables, service contract and GAP. Used bikes 5 model years back or 75,000 miles maximum. Maximum term for Tiers 4 & 5 is 60 months (both new and used). Must have proof of license before financing. Must have proof of insurance before finance. SECOND MORTGAGE: *Fixed second mortgage Annual Percentage Rate (APR) based on a minimum of 20% down payment. 180 month principal and interest payment of $791.04 per $100,000 borrowed. Maximum loan amount $200,000. HOME EQUITY LINE OF CREDIT (“HELOC”): Annual Percentage Rate (APR) as low as 0.75% APR fixed for one year (first 12 months), from the date your new home equity line of credit (HELOC) account is opened (initial fixed-rate term). After the initial fixed-rate term, the interest rate may vary on a quarterly basis on the statement cycle date of February, May, August, and November. The APR will equal the index, which is the weekly average yield on US Treasury Security adjusted to a constant maturity of one year, plus a margin of 2.50%, rounded up to the nearest 0.25%. The current index is 0.24% as of 2/1/2015. The current non-discounted fully indexed variable APR as of 2/1/2015 is 4.25%. The rate cannot increase or decrease more than 1.00% at each quarterly rate adjustment but may exceed that for the single adjustment at the end of a promotional discounted rate period. In no event will the APR be less than 4.25%, the floor rate, nor higher than 18.00% or the maximum permitted by law, whichever is less. HawaiiUSA FCU charges no credit union closing cost; however, you will be required to pay certain fees to third parties at closing that may range from $0 - $1,500. These fees if required include, but are not limited to, title insurance ($125-$300), escrow fees ($200-$500) recording fee ($26-$55), trust review and trust documentation ($155-$400), mortgage or other document preparation fees ($125-$175), and property evaluation ($65-$100). We will use a property evaluation to determine the property value. If the value is not sufficient, an appraisal will be required at your expense with the estimated cost varying from $500 to $1,500 depending on the property. When an initial draw of a minimum $25,000 or more new monies is advanced at opening, certain third party fees may be waived (fees waived include valuation assessment, title insurance, recordation, credit report and flood certification/tracking) when you agree to maintain the account balance less normal minimum monthly payments for a period of six-months from opening. Hawaii properties must be fee simple and owner occupied to qualify. Maximum loan amount is lesser of $200,000 or up to 80% of your home value. Higher LTV programs are available with price adjustments. HELOC has a five-year draw period with a 15-year amortized repayment (principal and interest payment). Minimum monthly payment is $150. You must carry fire, hurricane & flood (if applicable) insurance on the property that secures the credit at homeowners’ expense. No annual fee or prepayment penalty. HawaiiUSA FCU membership is required (minimum $5 share account). Program subject to change or discontinuation without notice. HOME IMPROVEMENT LOAN/GREEN LOAN. All proceeds must be for home improvements to owner occupied principal residence; invoice receipts or contracts should be reviewed to verify proceeds used for home improvement purposes. 70% or more of loan proceeds must be for green products and installaltion cost. Collect $30 filing fee for UCC F/S to be recorded for loans of $25,000 or more for photo voltaic systems. Option for a one-time re-amortization of the remaining balance within the remaining terms of the original maturity after principal reduction is available within the first 24 months of loan origination. UCC F/S expired in 5 yrs- UCC F/S renewal extension not required for remaining term. Loans to finance leasing of PV units for the purpose of purchasing electrical rates from leasing company shall be limited to terms of 7 years or less. Loan must be with tax credits for PV systems. UCC Financial Statement to be filed. 5/15 Yr. balloon loan is only available for outright purchases of the PV system. Borrowers should be advised of pay-off requirement at 5 year maturity. Discount on 60 Mo HIM/Green Loan not applicable. Discount on 5/15yr balloon applicable.

We do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act.